Credit Building & Repair

Credit Building & Repair

MONEY SMART CHECKING®

Set the course for financial success with a checking account that can give you a hand. With no minimum deposit to open and an automatic transfer to savings, Money Smart Checking® will have you improving your financial picture in no time.

ACCOUNT DETAILS1

No minimum deposit to open

FREE debit or ATM card with up to six FREE out-of-network ATM reimbursements each statement cycle2

MONEY SMART SAVINGS®

Get your savings on track with an interest-bearing savings account that will make planning for the future easy. Money Smart Savings® is the perfect account to pair with your Money Smart Checking® account.

Not all lending tools are created equal. We've designed solutions that can give you a better way to borrow.

EVERYDAY LOAN

The Everyday Loan is a fixed-rate loan with a quick approval decision. Loans are available in amounts up to $2,500. Plus, our rates are lower than most credit cards or other fast-cash loans. So, when unexpected costs come out of nowhere, there’s no need to panic.

MONEY SMART CD LOAN

You can take out a loan for as little as $500, or more based on your ability to pay, then use the borrowed funds to open a certificate of deposit (CD) for the same amount. Just make fixed monthly payments on the loan, and when the loan is paid off, the CD with earned interest is yours!

SECURED MASTERCARD

Find the perfect card for the way you use credit. Our credit cards offer benefits and features to meet a variety of financial needs. Take a look at what each card has to offer and decide which one is right for you.

CREDIT CARDS

Give yourself some credit

CREDIT CARDS

Give yourself some credit

Whether you’re building your credit or looking for convenience, we’ve got something that can come in handy. For a secure and easy way to pay, check out our credit card options.

CUBS OR WHITE SOX CHECKING

Show your pride, rep your side

CUBS OR WHITE SOX CHECKING

Show your pride, rep your side

Whether you side with the north or the south, you don’t have to stop cheering after the last pitch is thrown. Now, you can represent your team every day, with every purchase.

SAVINGS

Save for life's big moments…

SAVINGS

Save for life's big moments…

And, everything in between. Whether it’s your child’s first savings account or you saving for a rainy day, we can help.

1. Available to Money Smart Financial Training participants (1 session required). If the customer is on ChexSystems and does not complete 1 session/module the customer may open a Money Smart Savings® account. 2. There is no WTFC transaction charge at any ATM in the Allpoint, MoneyPass, or Sum surcharge free networks. Other banks outside the network may impose ATM surcharges at their machines. Other banks outside the network may impose ATM surcharges at their machines. Up to six (6) surcharge fees assessed by owners of other ATMs outside the network will be reimbursed each calendar quarter. Reimbursement does not include the 1.10% International Service fee charged for certain foreign transactions conducted outside the continental United States. 3. Third party message, data, and/or internet fees may apply. Use of Online Banking is required for access to Mobile banking. Mobile/Internet connectivity is required. 4. Transaction limitations may apply. 5. There is no WTFC transaction charge at any ATM in the Allpoint, MoneyPass, or Sum surcharge free networks. Other banks outside the network may impose ATM surcharges at their machines. Other banks outside the network may impose ATM surcharges at their machines. Up to six (6) surcharge fees assessed by owners of other ATMs outside the network will be reimbursed each calendar month. Reimbursement does not include the 1.10% International Service fee charged for certain foreign transactions conducted outside the continental United States. 6. The Annual Percentage Rate (APR) is a fixed rate that’s based on the Prime Rate reported in the Money Rates section of the Wall Street Journal (the “WSJ Prime”) plus a margin, at the time the loan is made. For example, on 4/9/19 WSJ Prime was 5.50% resulting in the APR disclosed. See the bank for details. Applicant must meet underwriting guidelines.

Credit Cards are issued by First Bankcard®, a division of First National Bank of Omaha.